Florida Health Insurance for the Self-Employed
Florida is a wonderful location for the self-employed business man or woman. The climate is balmy, while the economic atmosphere is booming. Florida is one of the fastest growing states in the US. It has a healthy tourism industry, vital agricultural production, and a strong aerospace and military presence. Many self-employed individuals are taking advantage of this strong business climate.
The self-employed have the freedom to benefit entirely from their own hard work, but also have to provide a safety net for themselves and their families in case of emergency. Their welfare and their business depends on their health. Insuring that health is an important business expense. Fortunately, there are many health insurance policies available that are both affordable and adequate.
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Health Insurance Considerations for the Self-Employed in Florida
Self-employed Florida residents should consider these criteria when shopping for a health insurance policy:
- Do you need an individual policy or one to also cover dependents?
Affordable polices are available from reliable companies that can cover a full range of family health insurance needs.
- Do you belong to a professional association?
Many self-employed individuals belong to or can join a business or professional guild or association that can offer group rates for health insurance.
- Do you have one or two employees that you would also like to cover?
In a small business, every employee is vital to the success of the business. Adequate health insurance can help keep this small workforce healthy and dependable. While, many small business insurance plans are for larger groups, there may be an economical plan that meets all your business insurance needs, including your health insurance.
Options to consider if you are self-employed and need a health insurance solution:
- HSA with a high deductible: This type of insurance will cover you in case of a true emergency. You may want to pair this policy with a health savings account to pay any out-of-pocket medical expenses for preventive care. If you are young, healthy, and just starting out in your business, this type of policy will avert disaster. A more comprehensive plan can be added later.
- HMO: This type of comprehensive health insurance lets your primary care doctor guide your health care. Policies focus on preventive care and have low out-of-pocket considerations—good if you have a young family and don’t need any expensive health care surprises.
- PPO: This type of health insurance will give you the freedom to choose treatment both in and out of a preferred network. You also may choose a combination of co-pays and deductibles that will fit your budget.
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